How to get a business card in Sberbank. Business cards. Use at work

International payment system Visa. Designed for small businesses with up to 50 employees. It can be either debit or credit.

It is used to pay for travel and entertainment expenses, as well as to pay for goods and services necessary for the functioning of the organization. At its core, such a card is an analogue of the funds issued under the report.

Visa Business is issued in the name of an employee of the organization, and funds for transactions are debited from the company's account. That is, the card is linked to the company's account. Several corporate cards can be opened for one organization account.

The bank provides the company with a detailed statement on transactions using the card on a monthly basis. Due to this, the accounting department of the organization can control the targeted spending of funds by the employee.

According to its technical characteristics, Visa Business is no different from other bank cards. It can be used at ATMs, retail outlets and cash dispensers equipped with mechanical imprinters and electronic terminals.

The Visa Business card is accepted by more than 24 million merchants, including almost 1 million ATMs, in 170 countries around the world.

See what "Visa Business" is in other dictionaries:

VISA (payment system)

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Sberbank of Russia is the largest national banking structure that provides numerous clients with only the highest quality and products that contribute to raising the level of private and professional life. A unique offer for legal entities and entrepreneurs is the Sberbank business corporate card - the best alternative to the usual checkbook, combining functionality and ease of use.

What is a Sberbank Corporate Card. Its purpose, possibilities and conditions of use

In the old days, most enterprises and organizations used special checkbooks, thanks to which business activities were more convenient. Now new financial products are being developed that are much more advantageous in terms of convenience and security. One of these options is a corporate card for individual entrepreneurs and legal entities, which can be obtained at any branch of Sberbank. A card of this type is issued for a specific citizen who uses the company's funds received on the balance sheet, followed by a report for their use.

What is it for?

Sberbank business card is necessary to perform a number of actions in the interests of the enterprise, which include:

• payment for services and purchase of goods for the company;
• implementation of non-cash payments;
• payment of travel expenses, as well as representation expenses;
• non-cash payment for any economic needs of the enterprise;
• withdrawal of cash in order to pay for goods and services necessary for the activities of the company.

Types of cards

A corporate card can be debit or credit. Debit card payments can be made within the limits of the funds on the card. Accordingly, payments by the holder of a corporate credit card can be made within the credit limit established by Sberbank.

The main advantages of a corporate card for owners and employees of the company

Registration of a corporate card opens up many convenient opportunities for owners of any type of business. Thanks to this banking product, they can:

• significantly save time on all important accounting operations;
• exercise control over the financial discipline of the company's employees;
• keep accounting records with maximum convenience;
• significantly save corporate money through control and competent organization.

Such a map is also necessary for company employees in order to improve and simplify many important aspects of their professional activities. Owning a corporate card provides the following opportunities:

• free access to finance at any time;
• lack of risks of transportation of large funds;
• cash withdrawal in any currency of the world during business trips abroad;
• convenient booking, as well as payment for travel documents and hotels;
• no need to raise your own funds;
• quick and easy blocking of a bank card in case of its loss or theft;
• easy reporting of all expenses and business trips to the accounting department.

Terms of Use

Sberbank of Russia provides for several important conditions for opening a corporate card and its further operation. First, the business must have an open business account. Secondly, it is necessary to compile a complete register of employees who will use this banking product. Thirdly, it is necessary to set limits on the use of funds and replenish the account.

Due to numerous advantages, the Sberbank corporate card receives positive feedback from customers. The presence of this banking product greatly simplifies the full range of financial transactions of the company.

It should also be noted that this type of card is not intended for the issuance of wages and the implementation of various social benefits.

Current tariffs for using a corporate card

Before activating a Sberbank corporate card, you should familiarize yourself with the current tariffs. This banking product is issued free of charge, and further annual maintenance is carried out in accordance with the selected tariff plan and card type.

The cost of annual maintenance of the most prestigious MasterCard Business and Visa Business cards opened in Russian rubles is 1,200 rubles, and in a foreign one - 50 euros or dollars, respectively. When opening such cards, it is necessary to make a mandatory initial contribution, the amount of which exceeds the annual payment twice. The annual payment for the "Corporate" option for each cardholder is 250 rubles. A "budget" Visa Business card implies both opening and further maintenance on an absolutely free basis.

Rules for issuing a Sberbank Corporate Card

A corporate card from Sberbank is a very convenient financial instrument for business. With its help, you can fully control the turnover of cash and manage expenses with maximum efficiency. Funds deposited through an ATM or terminal are instantly credited to the corporate card account. For convenient card management, Sberbank Business Online Internet banking is used, in which you can easily apply for issue and reissue, set optimal limits, and, if necessary, change information about the holder.

First of all, you need to figure out how to create an application for the issuance of corporate cards in Sberbank. To do this, you can use Internet banking, or personally visit the bank office where the company's account is serviced to fill out a questionnaire according to an approved sample. The application must specify the exact number of required cards. The next important step is to set comfortable limits for corporate spending. After a few days, the finished card can be received at the bank office. Payment of the commission for its annual maintenance is made at the time of receipt.

Features of using the Corporate card

Before you start using a Corporate card from Sberbank, it is important to take into account that all the funds on it belong to the enterprise, and not to a specific employee, therefore, each financial transaction performed requires strict accounting in the accounting department. In order to be able to make financial transactions, it is necessary to replenish the account by the required amount within the limit. A transfer to a Sberbank business card is carried out as soon as possible, making it convenient to use it to pay for business trips to employees, to purchase corporate goods, and also to transfer funds to business partners. The restriction for the use of such a card is the calculation of wages and the payment of social benefits.

Cash withdrawal can be carried out at any ATM, both in Russia and abroad. This operation is confirmed by an appropriate check, which must be submitted to the accounting department of the enterprise for a report.

The Sberbank corporate card is the most convenient payment instrument that replaces the traditional checkbook and opens up new business opportunities.

By the way, all major changes on a corporate card can be made in Sberbank Business Online.

We also recommend that you purchase a comprehensive corporate card insurance service. The entrepreneur can choose the amount of insurance protection himself. It varies from 20 000 r. up to 1,000,000 rubles Insurance services under the Corporate Card Insurance Program are provided by IC Sberbank Insurance LLC (license SI No. 4331 issued by the Bank of Russia on August 05, 2015 for an indefinite period).

The minimum insurance fee is 700 rubles. (with an insurance amount of 20,000 rubles), maximum - 8,000 rubles. (with an insurance amount of 1,000,000 rubles) per year.

A convenient payment tool offered by the Bank makes it possible to simplify the work with an already opened settlement and correspondent account of the company and make transactions more transparent.

The main advantages include:

• the ability to spend finances without withdrawing real money;
• set a spending limit for one day or a month;
• there is no need to issue financial resources to employees for accountability or for travel expenses;
• from the report provided, you can always control the operations performed, as they contain a message about the purchase, the amount, and more.

In addition to the above, it is possible to reduce the cost of maintaining a special account of the enterprise, which will provide tangible savings, as well as emphasize the status and create a special image.

How to apply for a business card

All you need to buy it is:

• you can fill out an application for issuing a plastic card online or contact the operator where the account is directly maintained (in the absence of valid ones, apply for opening and immediately for providing cards in the required quantity);
• it will be released in a few days, and received at the service department;
• is activated immediately by cashiers or independently, upon the first successful launch in a self-service device or in a terminal with a PIN code.

The service is not provided to accounts operating in accordance with the Federal Law "On State Defense Order", as well as to those where "Single Balance" or "Overdraft" is connected.

Three types of cards are provided: Visa or MasterCard Business to an established account, as well as "Budget". Depending on the choice, tariffs and the amount of fees charged will be set. Some offer special offers and privileges.

Terms of use

After receipt by the cardholder, he can make any changes, including:

• personal information about users;
• restrictions (increase and decrease), determine the period;
• block in case of loss/theft/return;
• order a reissue;
• maintain a directory of holders from the company's employees (add and delete);
• generate electronic documents.

All this is available in a virtual office or in the office where the company is serviced. On the Internet, you can create queries or view activity results at any time. There is a possibility of use in foreign business trips.

Replenishment is allowed in several ways:

• non-cash way;
• through ATMs and other equipment where the cash acceptance service operates;
• through cashiers.

Thus, without leaving the workplace or being at home, you can always monitor debit and credit, as well as check accounting information, summarize, analyze and draw reasonable conclusions about spending. It is important to remember that it is not recommended to pay for goods from such a business card for personal purposes, especially under the STS tax regime. Individual entrepreneurs who are on imputed income tax can make a transfer to the current one (Letter of the Federal Tax Service of Russia dated March 6, 2013 N ED-3-3 / 772).

Many payment systems issue plastic business cards. Their purpose– effective management of the company's cash flow. And they emphasize the status of the company, create a special image. This type of plastic cards will be discussed.

A plastic business card is a payment instrument that allows you to:

• Make payments related to the economic, main and representative activities of the company.
• Monitor employee spending.
• Make accounting simple and transparent, because banks provide reports from which you can see the amount spent on the operation, currency, time, place of purchase, card number.
• Reduce or even eliminate the turnover of accountable cash.
• Optimize currency control, as when making a transaction, the spent funds are converted into the currency in which the account is opened.

Business cards issued to enterprises by banks are:

• debit, inseparable from the account of the company;
• credit. Each bank sets its own limit and determines the conditions for its repayment.

The Business class card has all the advantages of a plastic card, plus additional ones:

1. Ability to withdraw cash and carry out transactions in any currency.
2. Linking several cards to the company's account with setting an individual limit for each.
3. Payment of travel expenses. If an employee is sent abroad, then the need to declare the currency disappears. In this case, it is especially convenient to have a credit card with a business class chip to make up for the missing funds.
4. Transfer of spent money to other cards.

In addition to the advantages of a plastic card, there are also disadvantages:

1. Not all stores, especially in the regions, accept them for payment.
2. An employee of the company who returned from a business trip has to draw up a report “the old fashioned way”, confirming it with receipts, checks and tickets.
3. The circulation of plastic cards is held back by the conservatism of some managers, who are accustomed to giving their employees cash for all sorts of small purchases.

A corporate plastic card is issued to a person with legal status. On its basis, cards are issued to people who are trusted. The person for whom an individual business card is opened is not liable to the bank. This function is entrusted to the company. Many banks offer this type of card.

For example, Sberbank issues for free:

1. mastercard.
2. Classic Visa. Its service, like MasterCard cards, is 1.2 thousand rubles a year, and if the card account is in foreign currency, then $ 50 or euros.
3. Card "Corporate", which allows you to cash out any amount. Sberbank serves it much cheaper - only 250 rubles. in a year.
4. MasterCard Business and Visa Business "Budget" - only for companies with an open personal account in the Federal Treasury. You do not need to pay for the service.

Bank VTB24 also offers corporate cards Visa Business and MasterCard Business, while there are 2 service packages:

1. Business Classic, using which it is possible to attach any number of cards to the main account. The plastic card is valid for 2 years. The package provides an opportunity to automatically replenish cards from a special account that is opened at the bank. Money is transferred to it from the main account, even if it is opened in another bank. Upon receipt of the application, the card will be opened a maximum of 7 days. The issuance of "plastic" and its maintenance will cost 1.2 thousand rubles. Obtaining and maintaining a currency card will cost 40 $ / euro. A daily limit has been set for cash withdrawals - 300 thousand rubles. (or the corresponding equivalent in currency, at the rate of the bank), but not more than 2 million rubles. per month.
2. Business Gold. As part of this package, VTB24 Bank offers advantageous plastic cards with additional features in the form of:

• receipt of notifications on the mobile about the performed operations for free;
• receiving concierge services;
• the possibility of using the insurance programs "Card Protection" and "Protection of Travelers".

The presence of VTB24 gold plastic cards implies the collection of an annual service fee of 2.4 thousand rubles. Every day you can withdraw cash from them, the amount of which is 2 times higher than the limit on classic cards.

A legal entity that is the owner of the main card has the ability to control how the funds are spent by the holders of the cards attached to it. To do this, select one of the options:

1. Set the amount in agreement with the bank, which the employee can withdraw per day, month.
2. Control when and where money was spent according to bank statements.
3. Order name cards for authorized persons. Then the control and protection of the plastic card is facilitated by the fact that no one else can use it.

1. In order to save money on a corporate plastic card with a chip, it is necessary to insure it.
2. For an employee going on a business trip abroad, issue a card in the currency that is in use in the country where he is going. For example, America and Asia are Visa Business, and America is MasterCard Business.
3. If you need a rented car on a business trip abroad, then a credit card will be an advantageous plastic card. In this case, the car service blocks money not on the main card of the company, but on the bank account.

VTB issues Visa and MasterCard business cards of the Standard and Gold category.

• Issuance of an unlimited number of Visa Business/MasterCard Business cards
• Automatic replenishment of cards from the current account
• Additional protection of card data from compromise when paying for purchases on the Internet with 3D secure technology
• Issuance of cards within 7 business days.

How can a Business Card help your business?

Cost Savings

Reducing the cost of issuing accountable funds through the cash desk of the enterprise will reduce collection costs and save time for your employees to solve more important tasks. Also, cardholders will have access to programs of special offers and payment discounts, which will save on paying for goods and services in different areas of your business.

Accounting Simplification

Obtaining statements reflecting all transactions for each card will help facilitate the accounting for the expenditure of funds issued to employees under the report.

Protection of the company's finances

With VTB Business Cards, there is no need to carry large amounts of cash with you or keep large amounts of cash at the cash desk of the enterprise, since funds are transferred to the card without cash and are available to the holder 24 hours a day. In addition, if the card is lost, the funds on it will not be lost, because you can block and reissue the card in the future.

Increasing the loyalty of employees of the enterprise

Your employees will appreciate the convenience and simplicity of paying with VTB Bank Business Cards and will be grateful to you for saving time on receiving accountable funds.

What benefits will your employees receive if VTB Business Cards are issued?

Payment by card worldwide

Business cards of international payment systems Visa or MasterCard are accepted for payment in more than 25 million outlets in 170 countries around the world. And if a bank card cannot be used for payment, you can always get cash at ATMs that accept Visa or MasterCard cards.

Separation of business and personal expenses

The card will allow you to easily separate business expenses from personal expenses. This separation will facilitate the control of finances and free up personal funds previously used for official expenses under the report.

Time saving

With the VTB Business Card, you can order air and railway tickets via the Internet, book a hotel, rent a car, pay for utilities, mobile and landline communications, order goods or services in foreign stores 24 hours a day directly from home or office.

Confidence in the safety of funds

With VTB Bank Business Cards, you do not need to carry large amounts of cash with you. And if the card is lost, the company's money will not be lost, because you can block and reissue the card in the future.

Additional privileges

Pay with business cards for business trips and corporate events, office goods, business services, business gifts and receive discounts and privileges from payment systems.